Westpac Credit Cards

Westpac was the first bank established in Australia back in 1817, and it continues to thrive as one of Australia's largest providers of personal and corporate finance.

Westpac credit cards cover a broad range of needs. From cards with low annual fees to cards with great rates and cards with great rewards, there's bound to be a Westpac credit card to suit you.

Westpac Credit Cards

Card	Issuer	Balance Transfers		Purchases		Std APR p.a.	Annual Fee	Apply
		Rate	Duration	Rate	Duration
	Westpac Altitude Receive 5,000 bonus Altitude points when you first use either card for a purchase	3.99%	6 mths	N/A	N/A	19.99%	$100	Apply > More Info
	Westpac Earth Get complimentary international travel insurance, purchase cover and extended warranty insurance	0.99%	6 mths	N/A	N/A	19.99%	$75	Apply > More Info
	Westpac Earth Gold Get complimentary international travel insurance, purchase cover and extended warranty insurance, plus free Qantas Frequent Flyer membership.	0.99%	6 mths	N/A	N/A	19.99%	$125	Apply > More Info
	Westpac Altitude Gold Receive 10,000 bonus Altitude points & Get complimentary international travel insurance, purchase cover and extended warranty insurance	3.99%	6 mths	N/A	N/A	19.99%	$150	Apply > More Info
	Westpac Altitude Platinum Receive 15,000 bonus Altitude points & Get complimentary international travel insurance, purchase cover and extended warranty insurance	3.99%	6 mths	N/A	N/A	19.99%	$295	Apply > More Info
	Westpac Earth Platinum Get complimentary international travel insurance, purchase cover, extended warranty insurance, and Qantas Frequent Flyer membership	0.99%	6 mths	N/A	N/A	19.99%	$250	Apply > More Info
	Westpac Low Rate Card	0%	6 mths	0%	6 mths	13.49%	$45	Apply > More Info
	Westpac 55 Day Classic Card	3.99%	6 mths	0%	5 mths	19.59%	No Annual Fee in 1st Yr, then $30	Apply > More Info
	Westpac 55 Day Gold Card Get complimentary international travel insurance, purchase cover and extended warranty insurance	3.99%	6 mths	N/A	N/A	19.59%	No Annual Fee in 1st Yr, then $90 if spend below $15k	Apply > More Info

Westpac Altitude

Introductory Offer

Balance Transfer Rate:

3.99% for 6 mths

Balance Transfer Fee:

N/A

Purchase Rate:

N/A

Typical APR

Purchases:

19.99% p.a.

Balance Transfers:

19.99% p.a.

Cash Advance:

21.59% p.a.

Annual Fee:

$100

Standard Features

Credit Limit:

Subject to Status

Interest Free Days:

45 days

Online Banking:

Yes

Approval Criteria

• You are aged 18 years or over
• You are a permanent resident or citizen of Australia (Temporary Visa holders are not eligible to apply)
• You earn a minimum income of ,000p.a

Westpac Earth

Introductory Offer

Balance Transfer Rate:

0.99% for 6 mths

Balance Transfer Fee:

N/A

Purchase Rate:

N/A

Typical APR

Purchases:

19.99% p.a.

Balance Transfers:

18.74% p.a.

Cash Advance:

21.49% p.a.

Annual Fee:

$75

Standard Features

Interest Free Days:

45 days

Online Banking:

Yes

Approval Criteria

• You are at least 18 Years of Age
• You have a Good Credit History
• You are a permanent resident/citizen of Australia & have an Income of over ,000.pa

Westpac Earth Gold

Introductory Offer

Balance Transfer Rate:

0.99% for 6 mths

Balance Transfer Fee:

N/A

Purchase Rate:

N/A

Typical APR

Purchases:

19.99% p.a.

Balance Transfers:

19.99% p.a.

Cash Advance:

21.49% p.a.

Annual Fee:

$125

Standard Features

Interest Free Days:

45 days

Online Banking:

No

Approval Criteria

• You are at least 18 Years of Age
• You have a Good Credit History
• You are a permanent resident/citizen of Australia & have an Income of over ,000.pa

Westpac Altitude Gold

Introductory Offer

Balance Transfer Rate:

3.99% for 6 mths

Balance Transfer Fee:

N/A

Purchase Rate:

N/A

Typical APR

Purchases:

19.99% p.a.

Balance Transfers:

19.99% p.a.

Cash Advance:

21.59% p.a.

Annual Fee:

$150

Standard Features

Credit Limit:

Subject to Status

Interest Free Days:

45 days

Online Banking:

Yes

Approval Criteria

• You are aged 18 years or over
• You are a permanent resident or citizen of Australia (Temporary Visa holders are not eligible to apply)
• You earn a minimum income of ,000p.a

Westpac Altitude Platinum

Introductory Offer

Balance Transfer Rate:

3.99% for 6 mths

Balance Transfer Fee:

N/A

Purchase Rate:

N/A

Typical APR

Purchases:

19.99% p.a.

Balance Transfers:

19.99% p.a.

Cash Advance:

21.59% p.a.

Annual Fee:

$295

Standard Features

Credit Limit:

Subject to Status

Interest Free Days:

45 days

Online Banking:

Yes

Approval Criteria

• You are aged 18 years or over
• You are a permanent resident or citizen of Australia (Temporary Visa holders are not eligible to apply)
• You earn a minimum income of ,000p.a

Westpac Earth Platinum

Introductory Offer

Balance Transfer Rate:

0.99% for 6 mths

Balance Transfer Fee:

N/A

Purchase Rate:

N/A

Typical APR

Purchases:

19.99% p.a.

Balance Transfers:

19.99% p.a.

Cash Advance:

21.49% p.a.

Annual Fee:

$250

Standard Features

Interest Free Days:

45 days

Online Banking:

Yes

Approval Criteria

• You are at least 18 Years of Age
• You have a Good Credit History
• You are a permanent resident/citizen of Australia & have an Income of over ,000.pa

Westpac Low Rate Card

Introductory Offer

Balance Transfer Rate:

0% for 6 mths

Balance Transfer Fee:

N/A

Purchase Rate:

0% for 6 mths

Typical APR

Purchases:

13.49% p.a.

Balance Transfers:

13.49% p.a.

Cash Advance:

21.49% p.a.

Annual Fee:

$45

Standard Features

Interest Free Days:

55 days

Online Banking:

Yes

Approval Criteria

• You are at least 18 Years of Age
• You have a Good Credit History
• You are a permanent resident/citizen of Australia & have an Income of over ,000.pa

Westpac 55 Day Classic Card

Introductory Offer

Balance Transfer Rate:

3.99% for 6 mths

Balance Transfer Fee:

N/A

Purchase Rate:

0% for 5 mths

Typical APR

Purchases:

19.59% p.a.

Balance Transfers:

19.59% p.a.

Cash Advance:

21.49% p.a.

Annual Fee:

No Annual Fee in 1st Yr, then $30

Standard Features

Interest Free Days:

55 days

Online Banking:

Yes

Approval Criteria

• You are at least 18 Years of Age
• You have a Good Credit History
• You are a permanent resident/citizen of Australia & have an Income of over ,000.pa

Westpac 55 Day Gold Card

Introductory Offer

Balance Transfer Rate:

3.99% for 6 mths

Balance Transfer Fee:

N/A

Purchase Rate:

N/A

Typical APR

Purchases:

19.59% p.a.

Balance Transfers:

19.59% p.a.

Cash Advance:

21.49% p.a.

Annual Fee:

No Annual Fee in 1st Yr, then $90 if spend below $15k

Standard Features

Interest Free Days:

55 days

Online Banking:

Yes

Approval Criteria

• You are at least 18 Years of Age
• You have a Good Credit History
• You are a permanent resident/citizen of Australia & have an Income of over ,000.pa

Westpac for a Safer Credit Card Choice

As well as their great versatility, Westpac offer an impressive array of security features to ensure that your credit card is safe. If you shop regularly online, you're protected by the Online Transaction Security Guarantee. The 24/7 Falcon fraud protection monitors your credit card for illegal activity on your behalf. And the latest CHIP technology, which stores your data on a security microchip rather than the more vulnerable magnetic stripe, protects your card against counterfeiting.

Getting Off the Ground with Westpac Credit Cards

If you're a fan of travelling, Westpac's range of Earth and Altitude credit cards will help you earn Qantas Frequent Flyer points and Altitude reward points. These schemes offer a wide selection of great rewards on your credit card spending.

Low Rates and Generous Offers

Westpac's range of cards includes a low-rate credit card with a low annual fee, and a credit card that allows up to 55 interest free days. If you're looking for credit cards that are affordable and that come equipped with the latest security measures, Westpac are the ideal supplier for you.

Go Westpac

Westpac's long and distinguished history speaks for itself. Why not check out the Westpac credit card listings above and apply online?